Copyright © 2026 JS Benefits Group. | PA, NJ, NY, DE, MD | All Rights Reserved. | Privacy Policy | Terms of Use | Site Map
Your Benefits Broker Should Save You More Than They Cost.
Most employers overpay for benefits — not because they’re careless, but because they don’t have an expert in their corner at renewal time. JS Benefits Group delivers measurable, documented savings through smarter plan design, aggressive carrier negotiation, and compliance that prevents costly mistakes.
The Numbers Are Staggering.
Healthcare costs are projected to rise 7–8% in 2026, yet 67% of employers renew without ever shopping the market — because carriers count on that inertia. We don’t let that happen. From level-funded plan design to ACA compliance, our clients typically save 15–30% in year one — and every service is included at no additional cost.
Real Employers. Real Savings.
A Pennsylvania manufacturer with 145 employees saved $187,000 in year one. A New Jersey firm avoided $94,500 in IRS penalties. A Delaware healthcare organization reduced premiums by 22% — while employees actually preferred the new plan.
Find Out What You’re Leaving on the Table.
A free benefits analysis takes less than an hour and shows you exactly what your current plan is costing you — and what a smarter strategy would save. No pressure. No obligation. Just numbers.
Submit the form on the left or click here for more information.
Your Benefits Broker Should Save You More Than They Cost.
Most employers overpay for benefits — not because they’re careless, but because they don’t have an expert in their corner at renewal time. JS Benefits Group delivers measurable, documented savings through smarter plan design, aggressive carrier negotiation, and compliance that prevents costly mistakes.
The Numbers Are Staggering.
Healthcare costs are projected to rise 7–8% in 2026, yet 67% of employers renew without ever shopping the market — because carriers count on that inertia. We don’t let that happen. From level-funded plan design to ACA compliance, our clients typically save 15–30% in year one — and every service is included at no additional cost.
Real Employers. Real Savings.
A Pennsylvania manufacturer with 145 employees saved $187,000 in year one. A New Jersey firm avoided $94,500 in IRS penalties. A Delaware healthcare organization reduced premiums by 22% — while employees actually preferred the new plan.
Find Out What You’re Leaving on the Table.
A free benefits analysis takes less than an hour and shows you exactly what your current plan is costing you — and what a smarter strategy would save. No pressure. No obligation. Just numbers.
Submit the form on the left or click here for more information.
Meet the JS Benefits Group Team
Our consultants bring deep carrier relationships, advanced credentials, and industry-specific expertise to every client engagement. We don’t sell benefits—we build strategies that protect your people and your bottom line.
What Sets Our Team Apart
Certified Professionals
SHRM-CP, CFP®, and industry certifications
Broad Carrier Relationships
Access across the full insurance marketplace
Alternative Funding Experts
Self-funded, level-funded, captive strategies
30+ Years Combined Experience
Strategic advisors, not commission-driven sales
Our Differentiators
Our team combines seasoned benefits strategists, certified HR professionals, and dedicated account service specialists — all working together so you get expert guidance and responsive support at every touchpoint.
SHRM-CP, CFP®, and HRCI-recognized professionals across benefits, HR, and financial planning disciplines.
Deep, long-standing relationships across the full marketplace give our clients access and leverage most brokers simply can’t match.
Self-funded, level-funded, captive arrangements—our team structures non-traditional funding strategies most brokers avoid because they require real expertise.
Healthcare, manufacturing, associations, nonprofits, professional services—we know the nuances of your industry and design plans accordingly.
Our People
Every member brings focused expertise—from strategic plan design and compliance to HR consulting and employee advocacy. Together, we function as a true extension of your leadership team.
Founder & CEO
Jennifer founded JS Benefits Group on a single conviction: employers deserve an advisor who is accountable for results, not just renewals. With an MBA and three decades in the industry, she has built one of the region’s most respected independent benefits consultancies—one that measures success in documented savings, not commission volume.
A free consultation connects you with the right specialist for your benefits challenges. No pressure. No obligation.
We help employers with group health insurance, compliance, cost control strategies, and employee benefits planning in NJ, MD, NY, DE, PA and the Philadelphia region.
Copyright © 2026 JS Benefits Group. | PA, NJ, NY, DE, MD | All Rights Reserved. | Privacy Policy | Terms of Use | Site Map
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
Your information is secure and will never be shared with third parties. We respect your privacy.
We’ve upgraded your experience
Our new pages are designed to give you clearer, more complete information — so you can make smarter decisions about employee benefits without the guesswork.
Some pages are still in progress. Check back soon for the full experience.
An employer healthcare stipend is a fixed, often taxable, amount of money provided to employees to help cover costs for individual health insurance premiums, deductibles, or copays. Unlike traditional group plans, it offers flexibility by allowing employees to select their own coverage, often used by small businesses.
The ICHRA is a low maintenance, tax-free reimbursement account that you can use as a health plan. You simply reimburse your employees tax-free for their healthcare. An ICHRA satisfies the ACA requirement and scales with your team, allowing you to offer robust attractive health benefits.
Please fill out and submit the following form and we will contact you soon.
California – the penalty for Californians who go without health insurance may be 2.5 percent of household income or $696 per adult (this number will rise yearly with inflation), whichever is larger.
Massachusetts – the tax penalty amount varies depending on your income, age and family size, but note the maximum penalty can be no more than half the price of the lowest premium plan available on the Massachusetts healthcare marketplace. For more information on Massachusetts health insurance mandates, click here.
New Jersey – the tax penalty is $695 for adults and $347.50 for each child, with a maximum family penalty of 2.5 percent of annual income. The penalty is capped at three times the adult penalty ($2,085), or the state average cost for a bronze-level plan, whichever is greater. For more information on New Jersey health insurance mandates, click here.
Vermont – Vermont has passed legislation that requires residents to have qualifying health insurance in 2020, but the penalty for non-compliance has not yet been established.
Washington, D.C. – the tax penalty is $695 for adults and $347.50 for each child, with a maximum family penalty of 2.5 percent of income, or three times the adult penalty ($2,085), whichever is greater. For more information on Washington, D.C. health insurance mandates, click here.
Utilizing the latest technology, we offer clients a complete HRIS System that streamlines the recruiting process and includes the following features:
We’ll also provide background checks, assessment tests, and act as a strong intermediary between our client and the candidate to negotiate and facilitate a successful hire.
A contingency search agreement allows us to source and present candidates for hire, however no fee is due unless you hire our candidate(s) presented.
The major advantages of a contingency search include:
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Allows our clients a no-risk opportunity to test our services for less critical hires.
[/fusion_li_item][fusion_li_item icon=””]Allows our clients to keep a pulse on the hidden candidate pool, giving them constant access to the type of candidates that will support their company culture and overall goals.
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A retained search agreement sets forth expectations, responsibilities and outcomes between the client and JS Benefits. This exclusive arrangement allows us to devote a majority of our time and resources to finding the candidate you need, even those rare, hard-to-find candidates, when you need them.
The major advantages of a retained search include:
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Guaranteed timeline for delivery of viable candidates that fit all the requirements of the position.
[/fusion_li_item][fusion_li_item icon=””]A retained search surrounds the opportunity with prestige and authenticity, creating an allure to attract top talent to the position.
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